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Across 1. Able to charge at any time but must make a payment every month. 4. The total dollar cost of credit including interest and all other charges. 8. Property that is used as security. 9. Is the privilege of using someone else's money for a period of time. 10. The cost of using someone else's money. 11. A credit reporting agency. 12. REcord of transactions 14. A persons ability to pay a debt when it is due. 15. Anyone who buys on credit or receives a loan. 16. A form on which you provide information needed by a lender to make a descicion about granting credit. 17. Payment of part of the purchase price. 18. Sells credit or makes a loan. 19. Your honesty and willingness to pay a debt when it is due.

Down 2. Disclosure requiredby law on credit. 3. Individuals who are able to and willing to provide information about your credit worth. 5. A maximum total that may be owed at one time. 6. A written promise to repay based on exellent credit history. 7. A person's reputation fot paying bills on time. 8. A person who takes the fall for someone else not paying. 13. Occurs when a company receives goods from a supplier and pays for them later.